EP2099003A1 - Procédé de transaction avec livraison de réception de paiement amélioré - Google Patents

Procédé de transaction avec livraison de réception de paiement amélioré Download PDF

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Publication number
EP2099003A1
EP2099003A1 EP08290220A EP08290220A EP2099003A1 EP 2099003 A1 EP2099003 A1 EP 2099003A1 EP 08290220 A EP08290220 A EP 08290220A EP 08290220 A EP08290220 A EP 08290220A EP 2099003 A1 EP2099003 A1 EP 2099003A1
Authority
EP
European Patent Office
Prior art keywords
user
owned
displaying
recording equipment
point
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP08290220A
Other languages
German (de)
English (en)
Inventor
Fabrice c/o Axalto SA Grenier
Xavier c/o Axalto SA Larduinat
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Thales DIS France SA
Original Assignee
Gemalto SA
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Gemalto SA filed Critical Gemalto SA
Priority to EP08290220A priority Critical patent/EP2099003A1/fr
Publication of EP2099003A1 publication Critical patent/EP2099003A1/fr
Withdrawn legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G5/00—Receipt-giving machines

Definitions

  • the invention relates to point-of-sales ("POS") terminals, i.e. payment terminals used by merchants for payments of goods by means of a payment token associated momentarily with such payment terminal.
  • POS point-of-sales
  • the payment token is typically a credit card.
  • Ethernet Some of the newly deployed terminals, and this trend is continuously growing, include Ethernet or GPRS, allowing to send information over IP networks.
  • the aim of the invention is to allow the use of a point-of-sales terminal without any need for a printed receipt.
  • the cardholder When purchasing a good or a service, the cardholder initiates a financial transaction through use of his card.
  • the way the "electronic" payment is made with a POS terminal can be of any type, such as use of the chip of the smart card, of the magnetic stripe of the smart card, or of some contactless equipment of the smart card, i.e. near-field antenna and associated radiating electronics of the smart card for near-field communication.
  • step A After acknowledgement of the transaction on the screen of the POS terminal, referenced as step A on figure 1 , instead of printing a ticket, the POS terminal displays a message "Transmit receipt via email (Y/N)". This second step is referenced as step B on figure 1 .
  • a paper receipt is delivered by the POS terminal, under step C1 on figure 1 .
  • the POS terminal has no printer and hence only a transmission of the receipt is possible.
  • step C2 If the cardholder wishes to receive that receipt, he presses the "OK" button of the terminal, and swipes or inserts his card into the POS terminal as step C2.
  • the card holds an electronic address associated to or accessible from a remote communication equipment owned by the cardholder.
  • the remote communication equipment is for example a personal computer of the cardholder, which may be located at the home of the cardholder.
  • the electronic address is preferably an e-mail address of an e-mail account accessible from such home-based personal computer.
  • the payment receipt is transmitted by email to the cardholder email account, referenced as step D on figure 1 .
  • This allows the user to receive an electronic receipt, while allowing the merchant to avoid managing expensive paper rolls.
  • signalization of a communicating entity consists in giving to another entity control informations about the state of a communication between the two entities. These control informations may consist in an identifier associated with one of the entities or information about the state of the communication link between the entities.
  • control informations may consist in an identifier associated with one of the entities or information about the state of the communication link between the entities.
  • an e-mail address is logically associated with a terminal that, although potentially variable physically, is at the end considered as owned by the user because personal to such user.
  • the benefit of this solution is to go paperless, to keep (and file) an electronic version of the transaction while the paper version's life time is usually very short (it gets erased within 2 or 3 years).
  • such features are used to get warned when a malicious usage of the card is done or for being warned of the usage of the card made by a cardholder who is in close relationship with the owner of the warned terminal.
  • the electronic address stored in the card is an electronic address of the parents of the cardholder.
  • a parental alert is performed whenever the child or any other dependant uses his/her credit card.
  • certain types of credit card for 16 to 18 years old teenagers may be configured to deliver alerts to parents for each transaction.
  • the card may get physically personalized in factory or post-personalized Over-the-Air, with the e-mail address or SMS address (phone number) of the card holder, stored either in the memory of the smart card or on the magnetic stripe of the smart card.
  • the POS terminal does not need to print a ticket but proposes to transmit this receipt to the cardholder e-mail account thanks to the information contained in the card and then in the POS communication means.
  • the POS terminal may be programmed for sending the receipt data automatically without asking the cardholder about such service, after detection of the presence of the electronic address in the card.
  • the bank can deploy as part as its online banking portal, where a media is set for alerts for certain usages of the customer card.
  • the media for alert can be SMS, by providing the cell phone number of the mobile phone owned by the cardholder or of the mobile phone of a person in close relationship to him.
  • the media can be e-mail as described above, by providing an e-mail address, or can be regular mail, by providing a mailing address.
  • the media can also be a phone number in order for the user to get a voice message on an interactive voice recorder.
  • the user receives an alert message on his mobile phone thanks to the phone number of the mobile phone as indicated to the POS terminal.
  • the alert message indicates the user that he has received such voice message, and the user consults the voice message by calling and interacting with the IVR - interactive voice recorder - so as to reach such voice message.
  • the cardholder owns a mobile phone which is contactless enabled, i.e. a mobile phone which is equipped with an antenna and associated modulating/demodulating components for radiating and collecting near-field communication radiations.
  • the POS terminal is also equipped with antenna and associated collecting and radiating circuit for performing contactless communication.
  • the cardholder When purchasing a good or a service, the cardholder initiates a corresponding financial transaction with his card.
  • the way the "electronic" payment is made with a POS terminal can be of any type, such as use of the chip of the smart card, of the magnetic stripe of the smart card, or of some contactless equipment of the smart card, i.e. near-field antenna and associated radiating electronics of the smart card for near-field communication.
  • the POS terminal After acknowledgement of the transaction, referenced as step A on figure 2 , instead of printing a ticket, the POS terminal displays a message "Transmit receipt (Y/N)", referenced as step B on figure 2 .
  • the POS terminal may have no printer and hence only a transmission of the receipt may be proposed in such case.
  • the cardholder wishes to receive a receipt, he presses the "OK" button of the terminal, and presents its mobile phone face-to-face with the POS terminal, as referenced under reference step C2 on figure 2 . Pressing the OK button and placing the mobile phone in the near-field area of the POS terminal allows to signalize the mobile phone to the POS terminal.
  • the mobile phone may have an identifier used in the subsequent near-field communication, which identifier is transferred to the POS terminal when the mobile phone is approached to the POS terminal.
  • the POS terminal may identify presence of the mobile phone after transmission of the payment receipt data to the mobile phone, which means at least part of the signalization is made after transmission in such case.
  • a presence declaration message consists at the same time in an acknowledgement of receipt of the payment receipt data, which acknowledgement informs simultaneously the POS terminal that it does not need to send the payment receipt data again as it has been duly received already.
  • the cardholder signalizes his receiving terminal, i.e. his mobile phone, to the POS terminal by presenting physically the mobile phone face-to-face with the POS terminal. Detection of the presence of the mobile phone consists here in getting a presence message from the mobile phone when the mobile phone gets into near field area of the POS terminal.
  • the contactless communication begins between the POS terminal and the mobile phone, where the communication carries the payment receipt data from POS terminal to mobile phone.
  • This step is referenced as step D on figure 2 .
  • the receipt is transmitted by contactless from the POS terminal to the mobile phone, here as an SMS over the near-field communication channel, the phone number of the mobile phone having been transferred to the POS terminal at step C2 when the cardholder presented his mobile phone face-to-face with the POS terminal.
  • the cardholder can then see the ticket receipt of this transaction on his mobile phone.

Landscapes

  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Cash Registers Or Receiving Machines (AREA)
EP08290220A 2008-03-06 2008-03-06 Procédé de transaction avec livraison de réception de paiement amélioré Withdrawn EP2099003A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP08290220A EP2099003A1 (fr) 2008-03-06 2008-03-06 Procédé de transaction avec livraison de réception de paiement amélioré

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
EP08290220A EP2099003A1 (fr) 2008-03-06 2008-03-06 Procédé de transaction avec livraison de réception de paiement amélioré

Publications (1)

Publication Number Publication Date
EP2099003A1 true EP2099003A1 (fr) 2009-09-09

Family

ID=39590864

Family Applications (1)

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EP08290220A Withdrawn EP2099003A1 (fr) 2008-03-06 2008-03-06 Procédé de transaction avec livraison de réception de paiement amélioré

Country Status (1)

Country Link
EP (1) EP2099003A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2478576A (en) * 2010-03-11 2011-09-14 Michael Oluwaseun Bamidele Electronic point of sale electronic receipt production
US9038895B2 (en) 2013-02-21 2015-05-26 Op-Palvelut Oy Communication between retailer and customer
US20170249619A1 (en) * 2016-02-29 2017-08-31 Seiko Instruments Inc. Receipt issuing device and control method therefor

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5739512A (en) * 1996-05-30 1998-04-14 Sun Microsystems, Inc. Digital delivery of receipts
JPH1153650A (ja) * 1997-08-07 1999-02-26 Nec Commun Syst Ltd レシート電子メール化ｐｏｓ端末システム
US20030055733A1 (en) * 2001-09-20 2003-03-20 Marshall Carl S. Mobile digital receipts
JP2003317153A (ja) * 2002-04-22 2003-11-07 Seiko Epson Corp Ｐｏｓシステム及びその制御方法
JP2004265243A (ja) * 2003-03-03 2004-09-24 Toshiba Tec Corp 商品販売データ処理装置及びレシート情報送信プログラム
US20060282332A1 (en) * 2005-04-28 2006-12-14 Pfleging Gerald W Method for transmitting a wireless receipt to a personal digital device
US20070005510A1 (en) * 2005-05-10 2007-01-04 Willard Bloodworth System and method for electronic receipt management
US20070069013A1 (en) * 2005-09-28 2007-03-29 First Data Corporation Electronic receipting

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5739512A (en) * 1996-05-30 1998-04-14 Sun Microsystems, Inc. Digital delivery of receipts
JPH1153650A (ja) * 1997-08-07 1999-02-26 Nec Commun Syst Ltd レシート電子メール化ｐｏｓ端末システム
US20030055733A1 (en) * 2001-09-20 2003-03-20 Marshall Carl S. Mobile digital receipts
JP2003317153A (ja) * 2002-04-22 2003-11-07 Seiko Epson Corp Ｐｏｓシステム及びその制御方法
JP2004265243A (ja) * 2003-03-03 2004-09-24 Toshiba Tec Corp 商品販売データ処理装置及びレシート情報送信プログラム
US20060282332A1 (en) * 2005-04-28 2006-12-14 Pfleging Gerald W Method for transmitting a wireless receipt to a personal digital device
US20070005510A1 (en) * 2005-05-10 2007-01-04 Willard Bloodworth System and method for electronic receipt management
US20070069013A1 (en) * 2005-09-28 2007-03-29 First Data Corporation Electronic receipting

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
"MAGNETIC MEDIA RECEIPT FUNCTION", IBM TECHNICAL DISCLOSURE BULLETIN, IBM CORP. NEW YORK, US, vol. 32, no. 11, 1 April 1990 (1990-04-01), pages 373/374, XP000097743, ISSN: 0018-8689 *

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2478576A (en) * 2010-03-11 2011-09-14 Michael Oluwaseun Bamidele Electronic point of sale electronic receipt production
US9038895B2 (en) 2013-02-21 2015-05-26 Op-Palvelut Oy Communication between retailer and customer
US20170249619A1 (en) * 2016-02-29 2017-08-31 Seiko Instruments Inc. Receipt issuing device and control method therefor

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